Penair rates: up to 5.05% APY
credit union · NCUA CHARTER 68734 · www.penair.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Savings | 0.299% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings | $5-$4,999.99 | 0.100% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | $5,000-$24,999.99 | 0.100% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | $25,000-$74,999.99 | 0.299% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | $75,000 and over | 0.299% | APY | 2026-11-01 | since 2026-11-01 | |
| Secondary Savings | 0.299% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificate of Deposit | 3 month | 2.100% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 month IRA | 6 months | 2.200% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 month Roth IRA | 6 months | 2.200% | APY | 2026-11-01 | since 2026-11-01 | |
| 8 month IRA | 8 months | 4.110% | APY | 2026-11-01 | since 2026-11-01 | |
| 8 month Roth IRA | 8 months | 4.110% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 12 month | 2.350% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 15 month Add-On | 2.350% | APY | 2026-11-01 | since 2026-11-01 | |
| 17 month IRA | 17 months | 4.200% | APY | 2026-11-01 | since 2026-11-01 | |
| 17 month Roth IRA | 17 months | 4.200% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 18 month | 2.400% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 24 month | 2.550% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 36 month | 2.650% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 48 month | 2.750% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 60 month | 2.850% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market | $0-$2,499.99 | 0% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $2,500-$24,999.99 | 1.750% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $25,000-$74,999.99 | 1.750% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $75,000-$199,999.99 | 1.750% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | $200,000.00 and over | 1.750% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| High-Yield Checking | $0 - $10,000 | 5.05% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Checking | $10,001 and up | 0% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.penair.org/personal/certificates-accounts/ | 2026-11-01 17:53 UTC | ok | 87367c231c81 |
| www.penair.org/rates/ | 2026-11-01 17:53 UTC | ok | 553c3651f7fc |
| www.penair.org/personal/savings-account/ | 2026-11-01 18:04 UTC | ok | c7115c43fd33 |